Hi everyone please help me, i'm really in trouble now.
I have 1 Mastercard from Canada (BMO). And now I'm working in France and still use it from time to time, 2 days ago I tried to access to my online banking with this card but it said "this card has been suspended, please contact the bank"
I called BMO bank yesterday (9th) from France. The first 2 assistant didn't want to give me any information of my statement.They said the card suspended because I'm over credit. But since April I never use this credit card and I'm never overdue. They only said I have to present myself at any BMO branch with 2 pieces of ID and then they can verify with me. I told them but I'm working in France now I can't go there. They just said "I'm sorry but you have to come to the branch. (but at some point 1 of the assistant said "it's 3,000$ that you had spent)
I called the 3rd time and ask to talk with the supervisor. I explained again that I didn't purchase anything since April, how come it's over credit. and also said i can't go to the bank in Canada now because I'm in France for work. She asked me when I will go back I told her not in another year. She said she will put a note on my profile that I have called them and she will call the security department and said when I get back to Canada next year, come to present myself at the bank.
At that time I'm a bit confuse, don't know what to do or to ask (and still now) so I'm accepted her suggestion but after that I feel this is not right. if I wait 1 more year to do something it means I accept all the debt that I didn't make.
called again the 4th time, at the beginning they don't want to let me talk with the supervisor again. they said I already called and she already said what I have to do. I told the assistant I can't wait to solve this problem in a year. it's about my security and my future credit and I choose to use online banking because it's not convenient for to go to the bank. And I asked them what about the interests that gonna increase every month until I can go to Canada.
So now they started to say right now we can't verify anything because the transactions are still unauthorized but call back in next 5 business days (next Wednesday 16th May) and the next assistant will verify with me which transaction are mine and are not.
Now I'm waiting for the next Wed. but I dont know it's the right thing to do or not. Anyone! give me advices, pls.
Thank you so much